Superior Auto, Inc. is a growing regional automotive group seeking a Credit Specialist to join our team. Our organization has been around for nearly 50 years, helping our community finance vehicles they need and can afford with a mission to provide reliable transportation, financing options, and excellent customer service to earn repeat business. Join our team today!
This is a Full-Time position, with exceptional benefits, a strong management team that will build your skills as a Credit Specialist. As a Credit Specialist, you provide superior service at all times to our dealerships and customers. This includes but is not limited to reviewing all vehicle contract documentation for completeness and compliance with state and federal laws as well as adherence to company policies and procedures—Responsible for conducting multiple verifications on each deal received. At Superior Auto, we seek driven individuals with a positive winning attitude. Superior Auto's ideal candidate is seeking more than a job. Instead, you are pursuing a career that offers unlimited growth within the company!
QUALITY CREDIT SPECIALIST SKILLS:
- Verify all applicant documents, score card attributes, overall deal structure and estimates for refinancing agreements.
- Recalculate debt-to-income (DTI).
- Categorize all applications through an electronic application process.
- Continually monitor and review the status of applications throughout entire lifecycle.
- Monitor and manage application and credit compliance for proper adverse action.
- Continually communicate and interact with dealerships.
- Other duties as assigned by a leader.
COMPETENCIES:
- Responsible for actions and performance either individually or on a team.
- Works efficiently by planning and organizing work to achieve goals and objectives.
- Focuses on teamwork by anticipating team needs, overcoming obstacles, and continually improving overall satisfaction.
- Communicates effectively by providing precise and timely communication and demonstrating practical listening skills.
- Demonstrates adaptability by adjusting to changing business priorities.
KNOWLEDGE and SKILLS:
- Demonstrates the ability to work independently with minimal supervision and effective use of time.
- Demonstrated record of achieving performance goals and objectives.
- Demonstrates ability to make prudent and timely decisions, well researched, and reflect an awareness of impact.
- Demonstrates strong interpersonal skills, including a willingness to consistently provide superior customer service, the ability to react appropriately under pressure, and the ability to apply sound judgment in ambiguous situations.
- Demonstrates adaptability by adjusting to changing business priorities.
- Demonstrates ability to effectively work in collaboration with team to achieve objectives.
WORK EXPERIENCE and/or EDUCATION:
- 2 years’ experience in funding/lending/contracts; experience in sub-prime financing a plus
- Ability to analyze data and calculate DTI
- Ability to define problems, collect data, establish facts, and draw valid conclusions.
- Ability to communicate effectively both verbally and in writing
- Ability to adapt, learn and execute in a fast-paced team environment
BENEFITS:
- Health insurance
- Dental Insurance
- Vision Insurance
- 401k
- Employer contribution HSA
- …Plus, many more!
Skills Required
- Two years of experience in funding, lending, or contracts
- Experience in sub-prime financing
- Ability to analyze data and calculate debt-to-income ratios
- Ability to define problems, collect data, establish facts, and draw valid conclusions
- Effective verbal and written communication skills
- Ability to adapt, learn, and work effectively in a fast-paced team environment
- Ability to work independently with minimal supervision and manage time effectively
- Record of achieving performance goals and objectives
- Ability to make prudent, timely, and well-researched decisions
- Strong interpersonal skills and ability to provide superior customer service
- Ability to react appropriately under pressure and exercise sound judgment in ambiguous situations
- Ability to collaborate effectively with a team
What We Do
Superior Auto specializes in providing easy financing for people with various types of credit. Founded in 1975, we have successfully grown from our initial location in Fort Wayne, Indiana to over 70 locations in Indiana, Michigan, Ohio, and Kentucky. Our main focus is to provide excellent service from the beginning of our relationship to earn the repeat business of our customers. We have helped thousands of people get into a nice vehicle with an affordable payment. We offer low down payments, a 3-day exchange guarantee, and customized payment plans that allow you to own your vehicle in approximately 36 months.* Stop in one of our 60+ locations or give us a call at (888) 393-3157, and let's get you driving your way! Be sure to check out our latest promotions for even more savings. *Example: $7,500 Sale Price, 34 Month financing, $75 per week at 21% A.P.R.
